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15 important things you should know about Allianz Global Investors RCGHX mutual fund

Updated: September 28, 2020
43
Bull Case
  • 3-year return above the benchmark
  • 10-year return above the benchmark
  • 15-year return above the benchmark
Bear Case
  • Low net assets
  • 5-year return below the benchmark
  • High expense ratio
  • Sales load and/or distribution fees

Before we start: if you’re looking for RCGHX “stock” price, you can quickly find it out by visiting Finny and typing "RCGHX quote". If you’re looking for a quick scoop on RCGHX "stock" (price chart, key stats, buy or sell analysis and holdings), go to Finny and look for "RCGHX". You’ll get all this info in one place.

Are you looking to buy or sell RCGHX? Or perhaps you’re looking for RCGHX fact sheet, and learn about its alternatives? If so, you came to the right place.

In this RCGHX mutual fund review, we’ll address key questions our readers have been asking us about this fund, above and beyond what you can find in its prospectus, and on Morningstar or Yahoo Finance.

Here is what you’ll be able to find in this review:

  • Fact Sheet: RCGHX performance, returns, expense ratio, holdings and dividend yield;
  • Analysis: RCGHX buy or sell; the pros and cons of investing in RCGHX mutual fund;
  • Alternatives: other ETFs and mutual funds you should consider as alternatives to RCGHX.

And here is the list of questions we’ll answer:

  1. Describe Allianz Funds: AllianzGI Health Sciences Fund; Class C Shares (RCGHX).
  2. What are RCGHX holdings?
  3. What is RCGHX performance? What are RCGHX historical returns?
  4. How many up and down years did RCGHX have historically?
  5. What is RCGHX dividend yield?
  6. What is RCGHX minimum initial investment amount?
  7. What is RCGHX expense ratio?
  8. Does RCGHX have any sales loads or 12b-1 distribution expenses?
  9. What is RCGHX tax efficiency (tax-cost ratio)?
  10. What is RCGHX beta? How would you assess RCGHX risk?
  11. What is RCGHX Sharpe ratio?
  12. What is RCGHX Finny Score? RCGHX buy or sell?
  13. What are the pros of investing in RCGHX? What are RCGHX buy reasons?
  14. What are the cons of investing in RCGHX? What are RCGHX sell reasons?

So let’s start. Scroll down to the question that interests you the most.

Fact Sheet

1. Describe Allianz Funds: AllianzGI Health Sciences Fund; Class C Shares (RCGHX).

The Fund seeks long-term capital appreciation by investing at least 65% of its assets in healthcare sector equity securities. Under normal market conditions, the fund will invest at least 65% of its assets will be invested in companies located in at least three different countries, including possibly the United States.

2. What are RCGHX top holdings?

RCGHX has 65 stock holdings and 0 bond holdings.

The top 10 holdings represent 44.85% of total assets. Here are the top holdings:

Name Symbol % Assets
Pfizer Inc PFE 5.61%
AstraZeneca PLC ADR AZN.L 5.52%
Roche Holding AG ADR RHHBY 5.44%
Bristol-Myers Squibb Company BMY 5.08%
Novartis AG ADR NVS 4.84%
Merck & Co Inc MRK 4.29%
Johnson & Johnson JNJ 4.24%
UnitedHealth Group Inc UNH 3.82%
Horizon Therapeutics PLC HZNP 3.03%
AbbVie Inc ABBV 2.98%

3. What is RCGHX performance? What are RCGHX historical returns?

RCGHX has generated the following returns:

  • 1-month return is -0.26%;
  • 3-month return is 3.72%;
  • 1-year return is 18.84%;
  • 3-year return is 10.50%;
  • 5-year return is 7.46%;
  • 10-year return is 13.48%;
  • 15-year return is 9.31%.

4. How many up and down years did RCGHX have historically?

In the last 10 years, RCGHX had 9 up years and 1 down year.

RCGHX up and down years

5. What is RCGHX dividend yield?

RCGHX yield is 0%.

6. What is RCGHX minimum initial investment amount?

RCGHX minimum initial investment amount is $1.00K.

7. What is RCGHX expense ratio?

RCGHX expense ratio is 2.22%. The expense ratio of a fund is the total percentage of fund assets used for administrative, management, and all other expenses.

RCGHX expenses

8. Does RCGHX have any sales loads or 12b-1 distribution expenses?

RCGHX 12b-1 distribution fee is 1. RCGHX front-end sales load is 0. RCGHX back-end sales load is 1.

9. What is RCGHX tax efficiency (tax-cost ratio)?

  • 1-year ax cost ratio is 2.42%;
  • 3-year ax cost ratio is 2.2%.
RCGHX tax costs

10. What is RCGHX beta? How would you assess RCGHX risk?

  • 3-year beta is 0.74;
  • 5-year beta is 0.80;
  • 10-year beta is 0.77;
  • 15-year beta is 0.70.
RCGHX Beta

11. What is RCGHX Sharpe ratio?

  • 3-year Sharpe ratio is 0.56;
  • 5-year Sharpe ratio is 0.36;
  • 10-year Sharpe ratio is 0.93;
  • 15-year Sharpe ratio is 0.59.
RCGHX Sharpe ratio

Analysis

12. What is Finny Score? buy or sell?

Finny Score is 43. Our quantitative analysis shows 3 reasons to buy and 4 reasons to sell it, resulting in the Finny Score of 43.

13. What are the pros of investing in RCGHX? What are RCGHX buy reasons?

The following are RCGHX strengths from our perspective:

  • <strong>RCGHX 3-year return</strong> is 10.5%, which is higher than the 3-year return of the benchmark index (MSCI World/Health Care NR USD), 10.24%.
  • <strong>RCGHX 10-year return</strong> is 13.48%, which is higher than the 10-year return of the benchmark index (MSCI World/Health Care NR USD), 13%.
  • <strong>RCGHX 15-year return</strong> is 9.31%, which is higher than the 15-year return of the benchmark index (MSCI World/Health Care NR USD), 9.02%.

14. What are the cons of investing in RCGHX? What are RCGHX negatives?

The following are RCGHX weaknesses from our perspective:

  • <strong>RCGHX net assets</strong> are $4.10 million. This fund is not a popular choice with retail investors.
  • <strong>RCGHX 5-year return</strong> is 7.46%, which is lower than the 5-year return of the benchmark index (MSCI World/Health Care NR USD), 8.36%.
  • <strong>RCGHX expense ratio</strong> is 2.22%, which is not negligible. Is the fund expensive to you, and does it align to your investment strategy?
  • Warning: this fund has a 12b1 and deferred sales fee. The maximum 12b1 fee is 1%, while the maximum deferred sales load is 1%. A 12b-1 fee is an annual marketing or distribution fee on a mutual fund. Deferred sales load is a back-end sales charge and is imposed when an investor redeems shares.
In the RCGHX review, we covered RCGHX key stats (return, performance, yield, expense ratio, and holdings), buy and sell analysis, and alternative investments. If this review was helpful to you, feel free to check out other mutual fund and ETF reviews.
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